Insurance

Health Insurance

The College offers health coverage to benefit eligible employees. There are two plans to choose from through Harvard Pilgrim HealthCare:

HMO An HMO contracts with a number of health care providers - its "network." HMO members pay a set fee each year for a predefined package of services. Members must use providers in the "network" to obtain free (or fully reimbursed) care. HMO care requires members to choose a Primary Care Physician (PCP), who acts as a "gatekeeper" to coordinate members' care. Approval of the PCP is required before a member can see a specialist

PPOWith A PPO, members can choose to receive care for covered services from providers and hospitals that belong to Harvard Pilgrim's participating provider network or from those who don't. Outside of Network, participating providers also include the Private Healthcare Systems network of more than 360,000 providers and 3,500 hospitals across the United States. When provided or arranged by participating providers, services are typically covered in full with copayments. Services received outside of Harvard Pilgrim's participating provider network are subject to deductibles and coinsurance.

Dental Insurance

As a Delta Dental PPO Plus Premier subscriber, you have access to two of Delta Dental's extensive national networks- Delta Dental PPO with 116,000 participating dentist locations and Delta Dental Premier, with the largest dental network in the country with over 194,000 dentist locations. Three out of four dentists nationwide and 96% of Massachusetts dentists participate in one or both of these networks.

Vision Insurance

Why enroll in VSP? Your eyes deserve the best care to keep them healthy year after year. Plus with VSP, you'll get a great value on your eyecare and eyewear, including:

Value and Savings: You'll get great benefits with your exam and eyewear at an affordable price.

Personalized Care: You'll get quality care that focuses on your eyes and overall wellness with VSP. Plus your satisfaction is guaranteed when you see a VSP doctor.

Great Eyewear: Choose the eyewear that right for you and your budget.

Choice of Providers: You can choose any eyecare provider-your local VSP doctor, a retail chain affiliate or any other provider. Once your benefit is effective, visit vsp.com<link to: http://www.vsp.com> for your complete benefit description.

Short-Term Disability

All employees working at least 25 hours per week are eligible to enroll in the Voluntary Short-Term Disability benefit offered through The Guardian Life Insurance Company. This optional benefit is employee-paid and provides a weekly income to you if you are disabled. You simply pay for it through convenient payroll deductions. The plan pays employees 60% of weekly pre-disability earnings (post-tax) up to a $1,000 weekly maximum after the 15th day for accident or sickness, up to a maximum of 90 days and includes coverage for maternity.

Long-Term Disability

All benefits-eligible employees working at least 25 hours per week are covered by The Guardian Life Insurance Company's long-term disability policy. This policy goes in to effect six (6) months following date of hire. This policy has a 90-day elimination period and provides a benefit of 60% of regular wages.

Life Insurance

All employees working at least 25 hours per week are covered by The Guardian Life Insurance Company in the benefit amount of one times their salary as well as accidental death and dismemberment coverage. This is provided at no cost to the employee.